Credit Firm Review — 2026

Credit Firm at a glance

Credit Firm is a 19-year-old credit repair company that helps consumers dispute inaccurate, outdated, or unverifiable items on their Experian, Equifax, and TransUnion credit reports. It offers a 90-day money-back guarantee, holds a Better Business Bureau rating of A+, and averages 4.3 out of 5 stars across verified customer reviews.

Credit Firm operates under the federal Credit Repair Organizations Act (CROA) and applicable state credit-services laws. That means it can only charge you after work is performed, must provide a written contract with a 3-day right to cancel, and cannot promise to remove accurate negative information from your reports.

How Credit Firm works

The process is straightforward and mirrors what reputable credit-repair companies do:

1. Free consultation. You start with a no-obligation call where Credit Firm pulls a soft copy of your three credit reports and identifies items that may be inaccurate or unverifiable.
2. Sign up and pay the first work fee. Setup runs $80, and you authorize Credit Firm to send disputes on your behalf.
3. Disputes go out. Credit Firm sends FCRA-compliant dispute letters to each credit bureau. The bureaus have 30 days to investigate.
4. Escalation as needed. When the bureaus verify an item but you dispute the documentation, Credit Firm sends debt-validation letters to the original creditor under the Fair Debt Collection Practices Act (FDCPA).
5. Monthly progress reports. You receive updates on every removal, deletion, or update across all three bureaus.

Most clients see initial removals within 30–45 days and substantial results within 3–6 months. Anyone promising results in a week or two is misrepresenting how the FCRA works.

Pricing and plans

Plan element	Amount
First-work fee (setup)	$80
Monthly fee	$100
Money-back guarantee	90 days

Credit Firm's pricing is competitive with the rest of the top-tier credit-repair industry. If you stick with the service for the full 6-month average dispute cycle, expect total cost in the range of $680.

Pros and cons

What we like:

• A+ BBB rating with strong consumer track record
• 90-day money-back guarantee
• Online dashboard with real-time dispute tracking
• No long-term contracts — month-to-month cancellation

What to consider:

• Slightly higher monthly fee than the cheapest competitors
• No mobile app — web dashboard only

Who Credit Firm is best for

Credit Firm is a strong fit if you have:

• Inaccurate negative items on your credit reports — late payments that were paid on time, collections you don't recognize, charge-offs from accounts that should have aged off, mixed-file errors where someone else's information appears on your report.
• Limited time to handle disputes yourself. The DIY route works, but it can absorb 5–10 hours per dispute round, and most consumers go through 3–4 rounds.
• A goal of improving your score before a major credit decision — applying for a mortgage, a car loan, or a small-business loan in the next 6–12 months. Repaired credit can save you tens of thousands over the life of a typical mortgage.

It's not the right fit if your credit reports are accurate and the negative items are recent. No legitimate credit-repair company can remove correct, verifiable negative information. If that's your situation, you're better off focusing on on-time payments, debt paydown, and credit-utilization optimization.

CROA compliance and consumer rights

The Credit Repair Organizations Act (15 U.S.C. §§ 1679–1679j) protects you in five key ways when working with any credit-repair company, including Credit Firm:

1. No up-front fees. Credit Firm cannot bill you for work that hasn't been completed.
2. Written contract required. You must receive a written agreement detailing services, total cost, and timeline.
3. 3-day right to cancel. You can cancel within three business days of signing, no questions asked.
4. No false promises. Credit Firm cannot guarantee specific score increases or claim it can remove accurate information.
5. Truthful disclosures. Credit Firm must disclose your right to dispute items yourself for free at the credit bureaus.

If you ever feel Credit Firm has violated any of these protections, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general.

Frequently asked questions

Is Credit Firm legitimate? Yes. Credit Firm has operated since 2007 and currently holds a BBB rating of A+. It complies with federal CROA requirements and state credit-services laws.

How long does Credit Firm take to show results? Most clients see initial removals in 30–45 days and substantial results in 3–6 months. The FCRA gives the credit bureaus 30 days per dispute, so timelines compound across multiple rounds.

Can Credit Firm remove accurate negative information? No, and neither can any other legitimate credit-repair company. It can only dispute items that are inaccurate, outdated, or unverifiable.

Does using Credit Firm hurt my credit score? No. Disputing items on your credit reports does not affect your score, and disputes are not visible to lenders. Credit Firm never applies for new credit on your behalf.

Can I cancel Credit Firm? Yes. CROA gives you a 3-day right to cancel after signing. After that, Credit Firm should allow month-to-month cancellation and offers a 90-day money-back guarantee if you're dissatisfied.

How do I reach Credit Firm? Call 1-800-440-9395 for a free consultation.

Bottom line

Credit Firm is a CROA-compliant credit-repair company with a track record going back to 2007. Its average customer rating of 4.3/5 reflects confidence in its 90-day money-back guarantee.

If you have inaccurate negative items on your reports and you'd rather pay a flat monthly fee than spend 30 hours sending dispute letters yourself, Credit Firm is worth considering. Start with the free consultation to confirm there's enough on your reports for the service to make sense.